Hi again. Recently Im reading a lot of this forum, mainly just to get as much informations about IVA as I can an be prepared for what is to come (i just made my 2nd payment, 58 to go;) )

My question is, for over nearly 2 years I'm divorced (we are not living together for over 2years). With my ex we had only joint bank acc no loans,credit cards etc. I know that my credit file was linked with her back then.

http://kallis3.blogs.iva.co.uk/Sharing from experiences of dealing with debt The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.Bob Marley.

It could be affected if you are still linked on the credit files. Just separating accounts doesn't always work. You can get the association removed by explaining the situation to the credit reference agencies.